5
out of 5
POSTED: | BY: Maureen
Although two claims I submitted were denied I like having insurance for my little guy.
Although two claims I submitted were denied, I like having insurance for my little guy.
4.8
out of 5
Number of reviews 27,189
Trupanion pets lead longer happier lives.1 Pets insured with Trupanion lived longer than pets without Trupanion because pet parents didn’t have to worry about the cost of the care their pet needed. Depending on the plan Trupanion covers up to 90% of eligible expenses, has unlimited payouts-always, and can pay your vet bill, within seconds, at time of checkout, so all you pay is your portion (anything not covered by Trupanion). They have transformed the way pet insurance handles claims by eliminating the reimbursement process.
Trupanion was founded in Canada and provides bets-in-class coverage and is dedicated to helping pets we love get the care they need. They’ve been around for more than 20 years, making them experts and setting standards for the industry. One perk of this, and what they pride themselves on, is the amount they pay out to pet owners for each claim. Paying out more on the dollar than any other pet insurance provider. To date they have paid out $2 Billion in claims and have insured nearly 1 million pets.
To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month.
1Based on a December, 2020 Trupanion study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy.
*Terms and conditions apply. Please view your sample policy for complete coverage details.
Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Administered in Canada by Canada Pet Health Insurance Services, Inc. dba trupanion and in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Please visit AmericanPetInsurance.com to review all available pet health insurance products.
4
out of 5
POSTED: | BY: Neil
Positive review
Quick and easy. It's a replete condition and TruePanion always handles it well with no issues.
Thanks!!
3
out of 5
POSTED: | BY: John
Maggie's Claim
We are pleased with how Maggie's Dog Bite claims have been processed. I would highly recommend your company for that but am extremely disappointed with the outcome of the appeal. It appears to us as the insurance company using any technically to avoid paying a claim.Maggie never had an ear infection prior to that claim. Because we asked the Veterinarian to check her ears is not a prior condition because her ears were not infected and didn't show any signs of an infection. Dr Ashley's report clearly states that.This decision was strictly based on the owner's concern for the puppy's health and our pro active words are being used to justify the pre condition.I still see this outcome as the insurance company looking for any excuse to avoid paying the claim. Our trust in Trupanion was restored with the professional manner in which her recent claims were processed.Maggie suffered a major trauma as a result of these dog bites and I am happy to say she is almost back to being a playful and outgoing puppy again. Thank you for your help and we will recommend Trupanion to other dog owners along with our experience with the company.
3
out of 5
POSTED: | BY: Rona
Not pleased with length of time taking with appeal process as well as not receiving any information updating me on status.
Not pleased with length of time taking with appeal process as well as not receiving any information updating me on status.
3
out of 5
POSTED: | BY: Mark
I've had to make multiple inquiries with Trupanion re: a recent claim for my dog Percy.
I've had to make multiple inquiries with Trupanion re: a recent claim for my dog, Percy. It has become apparent that the responsibility for follow-up is the onus of the policyholder. Taking weeks to review the medical records of an eighteen month old puppy is frustrating at best. Like many insurance providers, you're very quick to collect monthly premiums but very slow in processing reimbursement.
Monthly Cost
Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal code.
Coverage
One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice.
To view a full list of inclusions and exclusions, check out our sample policy here.
Payout Limits
Unlimited lifetime payouts on eligible conditions with no payout limits-ever.
Deductible
You can choose your deductible from $0 – $1000, in $5 increments, to fit your budget.
Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for an eligible condition, you never have to meet it again. That condition is covered for life. This is great for chronic conditions that can span the entirety of a pet’s life such as allergies or cancer.
Age Limits
All pets under 14 years old can enroll.
Once enrolled, pets stay insured regardless of age.
Waiting Period
Accidents: 5 days
Illnesses: 30 days
Other providers may have additional waiting periods for congenital conditions like hip dysplasia, Trupanion does not.
Exclusions
Trupanion was developed to protect you and your pet from unexpected illnesses and injuries. That means we don’t cover “predictable” care costs that you can plan ahead for, like:
Examination fees
Wellness and preventive care
Elective, or cosmetic procedures
Sales tax, where applicable
Like all pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early!
*Terms and conditions apply. Please view your sample policy for complete coverage details.
Trupanion was founded in 2000 with the goal to help pet owners plan for the unexpected and take the cost out of the care equation. They believe that the pets—and the veterinary professionals who help them—deserve better. That’s why Trupanion is a proud member of the North American Pet Health Insurance Association.
Our members know we’re ahead of the pack, because there’s pet insurance—then there’s Trupanion:
24/7/365 Member Support—yes, even on holidays
20+ years of experience
$2 Billion paid in claims
Over 800,000 pets protected
Unlimited Payouts
The only provider that can pay your veterinarian directly at checkout*
Accepted everywhere in the USA, Canada, Puerto Rico, and Australia
* At participating hospitals
Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in the United States by American Pet Insurance Company and in Canada by Omega General Insurance Company